You can also earn unlimited ATM fee refunds up to $4.99 each AND 0.25% on all balances over $15,000!*

So take a look at your current checking account. Do you earn anything? Does it have fees and all sorts of hoops you have to jump through? Now consider our SmartReturns Checking that also comes with FREE online banking and bill pay, mobile banking with mobile deposit, a VISA EMV Debit Card — all the services you want with your checking account.

Now ask yourself — Why not a SmartReturns Checking Account with WyHy?!

Call or stop by a branch to learn more and to start earning 4.00% APY just for having a checking account.* We'll make the switching process so easy you'll be shaking your head, wondering why you didn't open a SmartReturns sooner.

*APY = Annual Percentage Yield. SmartReturns Checking is a tiered variable rate account, the rate and APY* are subject to change after account is opened. The minimum balance to open this account is $25.00. 4.00% APY is valid on balances up to $15,000. In order to earn dividends at the disclosed rate and be eligible to receive unlimited ATM fee reimbursement (ATM transaction fee must be less than $4.99 per transaction to be reimbursed), during each qualifying period you must: (a) make at least one direct deposit to, or ACH debit from your account; and (b) make 12 or more point of sale transactions (evidenced by your statement) using your VISA Debit Card; and (c) consent to receive your statements electronically. Each qualifying period will begin one business day prior to the first day of the current statement cycle through the last day prior to the last business day of the current statement cycle. If you do not meet the qualifications for a qualification cycle your APY will be 0.05% for that period. You will not be reimbursed for any accrued but unreimbursed ATM fees at the time you close your account. Dividends are calculated on the average daily balance, compounded and paid monthly. Fees could reduce earnings. Terms effective 4/1/17.